4. Pay down Credit Cards

Itโ€™s simple: credit card companies do not want you to pay off your balances. Thatโ€™s because they make billions of dollars a year on interest charges. So buck the trend, be money-wise, and pay down your credit card debt as soon as possible. Concentrate on the ones with the highest interest rates first, and try your best NOT to use credit cards at all!

Try a Credit Union